Banking system controlled responsive to data bearing recordings and user input of a phone received security code

US8353450B2 · kind B2 · utility

Assignee

• Diebold Self-Service Systems, Division of Diebold, Incorporated · US

Inventors

• Willis Miller · Cuyahoga Falls, US
• Matthew R. Zaugg · Munroe Falls, US
• James Block · North Lawrence, US
• H. Thomas Graef · Bolivar, US
• Natarajan Ramachandran · Uniontown, US
• Jeffery M. Enright · Akron, US
• Mark A. Douglass · North Canton, US
• Dale H. Blackson · Highland Heights, US

Key dates

• Filing date: Apr 8, 2012
• Grant date: Jan 15, 2013
• Expiry date: Apr 8, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F19/205
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.